Stock AnalizBILL Holdings, Inc. BILL
Computer Software: Prepackaged Software · IPO 2019 · data as of November 13, 2026
BILL Holdings, Inc. (BILL) is a technology company listed in the US with a market value of about $4.7B. In the twelve months to September 30, 2026 it had revenue of $1.7B and net income of $52M, a net margin of 3.1%.
Its overall Stock Analiz score is 1.6 out of 5 (weak). The strongest part is future growth (4/5); the weakest is value (1/5).
Key numbers: a P/E of 104.8, a price to free cash flow of 11.3, 5-year revenue growth of 47% a year, a 5-year average ROIC of -3%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 59% below the current price.
Score: 1.6 / 5
Checks passed
- P/FCF below 20
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
- Positive free cash flow
- Share count down over 3 years (buybacks)
Checks not passed
- P/E below 25
- P/E below the industry median
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Profit margin improving
- 5-year EPS growth above 10% a year
- 5-year average ROIC above 12%
- Profitable 5 years in a row
Valuation
Growth and quality
Financials, last 9 years
| Fiscal year | TTM | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.7B | $1.7B | $1.5B | $1.3B | $1.1B | $642M | $238M | $158M | $108M | $65M |
| Net income | $52M | -$11M | $24M | -$29M | -$224M | -$326M | -$99M | -$31M | -$7M | -$7M |
| Free cash flow | $414M | $412M | $346M | $278M | $180M | -$23M | -$14M | -$16M | -$7M | -$10M |
| EPS (diluted) | $0.52 | $-0.11 | $-0.07 | $-0.27 | $-2.11 | $-3.21 | $-1.19 | $-0.70 | $-0.94 | $-1.01 |
| Net margin | 3.1% | -0.7% | 1.6% | -2.2% | -21.1% | -50.8% | -41.4% | -19.7% | -6.8% | -11.1% |
| ROIC | — | -1.1% | -1.1% | -2.7% | -3.9% | -5.3% | -2.2% | -3.8% | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 20 analysts is $60.90, 12% above the current price; targets range from $50.00 to $75.00; the consensus rating is “Buy”; expected EPS is $4.10 for the fiscal year ending June 30, 2027.
Frequently asked questions
What is BILL’s P/E ratio?
About 104.8, based on the last twelve months of diluted earnings per share (forward P/E about 13.0).
Is BILL stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 59% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does BILL pay a dividend?
Not currently.
Is BILL a good stock to buy?
We do not give buy or sell advice. BILL scores 1.6 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.